Personal Loans and Lines of Credit
You’ve got a dream. We’ve got the means.
Your Goals, Your Terms
Ready to take the first step toward your next big goal? Apply for a personal loan or personal line of credit with no application fees or pre-payment penalties. At Montana CU, we customize repayment terms to fit your life—and your dreams.
Personal Loans
Ideal if you want a lump sum for a large one-time purchase and a fixed interest rate.
Personal Line of Credit
Best if you’re unsure of how much you need for a project and need flexibility.
Should I Obtain a Secured or Unsecured Loan?
A secured loan may be for you if you’re looking for a higher loan limit. Because secured loans are backed by your share account, lenders can offer higher limits. Unsecured loans are not backed by collateral, so while easier to obtain, they will not offer as high of a credit limit.
If you are currently a Montana Credit Union member, please log in to your digital banking account to submit a loan application.
Personal Loan Rates
See all rates.
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Loan Type |
Type |
Rate |
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*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors. **Personal line of credit rate is based on the Wall Street Journal prime rate plus six percent. Rate, terms and conditions are subject to change based on market conditions. |
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Loan Type Personal Loan (up to 24 months) |
Type Fixed |
Rate As low as 10.99% APR* |
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Loan Type Personal Loan (25-36 months) |
Type Fixed |
Rate As low as 10.99% APR* |
|
Loan Type Personal Loan (37-48 months) |
Type Fixed |
Rate As low as 11.99% APR* |
|
Loan Type Line of Credit (Personal) |
Type Variable |
Rate 9.50%** |
Questions About Personal Loans? Contact Us
Please use the convenient form below for general questions or comments. We promise to get back to you within 24 business hours. Note: Do not send sensitive information through our contact form or via email, since these modes of communication are not entirely secure.
When Life Happens, We Are Here To Make Sure Your Finances Are Protected
We offer affordable plans to protect your loans, credit history, and financial health in case of loss of life, disability, or involuntary unemployment.
